A lake would be alright as long as I didn't own a dog or had frequent guests who always brought their dog. That's the only negative being near fresh water in Florida. However, more people here have lost pets to coyotes, even when the dog is no more than 20 feet away, coyotes are very fast. A gator can move 40 mph but you need to be near the water, a coyote can come from anywhere.
Coyote snatches woman’s dog in The Villages | WFTV